Savings account Avantaj

Have the benefits of a current account and a term deposit in one savings account

You save advantageously


You save in the long run

and have immediate access to funds

Flexibility in management

 with deposits and withdrawals allowed

If you have decided to put money aside for great plans for the future or for unforeseen situations, choose the Advantage savings account and benefit from mobility, unlimited access to funds, advantageous interest rates and many other advantages.

Your advantages

  • You can open a savings account in MDL or currency (EUR, USD) with an interest higher than that applied to a current account
  • The interest depends on the account balance
  • You can increase your savings rate due to the capitalization effect of interest
  • You have access to money at any time, without losing the accrued interest, provided you keep the minimum balance
  • You can deposit money at any time, up to the maximum ceiling: cash at the counter or by transfer from your current account with OTP Bank
  • Transfer money from your current account for free and in seconds, through OTP Internet and Mobile Banking
  • Save automatically by activating scheduled payments (including OTP Internet and Mobile Banking)
  • You have ZERO account opening and administration fees
  • Keep your savings safe

Savings account
Savings account

Savings account
Interest rate
Period type (days)
Income per period
Total income
Final amount
Payments schedule
Representative calculations for the offer deposits, opened through OTP Internet and Mobile Banking. For deposits opened in OTP Bank branches, reduced the interest rate.

  • Currency: MDL, USD or EUR
  • Minimum amount to set up / minimum balance: 1000 MDL / 100 USD / 100 EUR
  • Maximum amount: unlimited, according to the conditions established by the Bank
  • Term (maturity): 1460 days
  • Possible deposits and withdrawals, subject to the minimum balance
  • Interest: floating, correlated with the level of interest on the market
  • Interest payment: quarterly, with capitalization
  • Calculation of interest: based on the actual balance in the account
  • Liquidation: on request, only at the unit where the account was opened
Eligibility criteria

Resident or non-resident individuals who have reached the age of 18.

Required documents

In case of account opening by the holder:

  • Original of the identity document (identity card or passport)
  • Other documents, as appropriate


In case the account is opened by an authorized person:

  • The identity document of the authorized person in original
  • Notarized document or copy of the document (power of attorney) certifying the person's powers to open the account, savings account and other documents necessary for opening bank accounts
  • Other documents, as appropriate
How can you open a savings account?
  • Come to any branch with the original documents required


  • Online, through OTP Internet and Mobile Banking:

Step 1: Select the "Deposits" option from the application menu
Step 2: Press the ”+” button at the bottom of the screen to add a savings account
Step 3: Select the source account, from which you will transfer the money to the savings account
Step 4: Select the savings account from the predefined list
Step 5: Indicate the amount to be transferred
Step 6: Check all required boxes and authorize the operation


  • Submit your application online in 5 easy steps:

Step 1: Access the computer
Step 2: Choose the savings account that suits you
Step 3: Fill in the online form with the requested personal data
Step 4: Wait for our advisor's call to clarify some details and set up an appointment
Step 5: Come to the bank, with the necessary documents, to sign the contract

Interest rates on deposits and savings accounts

Effective from 20.06.2024

Other information

General banking conditions

Information on the Deposit Guarantee Fund for Individuals

Deposits of individuals are guaranteed up to the coverage level of 100 000 lei.